At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

CF2 - Investment and Risk (CII)

This examination assesses a knowledge and understanding of investment products and the risks involved.

J04 - Pension Funding Options (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

AF1 - Personal Tax and Trust Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

Dip PFS - Personal Finance Society Diploma (PFS)

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

APFS - Associate, Personal Finance Society (PFS)

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Diploma In Financial Planning (CII)

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

CF6 - Certificate in Mortgage Advice (CII)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

AF5 - Financial Planning Process (CII)

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

J01 - Personal Tax (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

AF4 - Investment Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

CF4 - Retirement Planning (CII)

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF3 - Financial Protection (CII)

This examination assesses a knowledge and understanding of financial protection plans.

AF3 - Pension Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

Accreditations

Clare Cunningham

Financial Planning Administrator

What our clients say

Louise took great care in fully understanding our requirements and provided a thorough analysis of all available options. Attention to detail was very re-assuring as everything was clearly summarized and qualified through every stage of the process. The research carried out is right up-to-date and gave us confidence to proceed knowing that everything will be actioned with our best interests in mind. Speed of response to any questions is very prompt and addresses any area of concern very effectively. It is clearly evident that Louise places great emphasis on keeping up with the many changes that are happening and we find her very dedicated and kind hearted.

Alistair, Medway

After running my business for more than 22 years, a change in circumstances found me with a sum of money to invest. Even though I am used to making investments through my business, this was a different story. Louise Pepper to the rescue!Louise made me feel relaxed almost from the get go! Shes a good listener and I explained my personal and business situation. She made it all so simple and easy with some diagrams and explaining all in such a calm and confident way. What I thought might be becoming a nightmare soon seemed so straight forward. I would thoroughly recommend Louise to anyone.

Grant, Canterbury

We have been very impressed with the advice we have received from Louise. She has a friendly and professional approach, is quick to understand our needs and treats us as individuals not just numbers. She is very enthusiastic about her work and always approachable. We like the way she keeps us up to date with changes, for example how the latest budget will affect us.

Angela, Folkestone

I have known Louise Pepper as a financial adviser for a number of years. When she started her own business as Bespoke Financial Planning I had no hesitation in transferring my funds to her company. As an individual, Louise Pepper is both personable and attentive. She demonstrates an understanding of your situation, appreciates your likely needs for the future and her ensuing financial advice is tailored to those facts.Her investment advice, in accordance with your desire for risk or otherwise, is well researched. She readily provides justification for any advice when requested to do so and is quick to follow up on any query that you may have. As an independent adviser she researched the market,not only to identify the best investment opportunities for me, but also to identify the best investment platform to minimise ongoing operating costs for me. In addition I found it comforting that any advice given by her company is also subject to external scrutiny by an independent body. I wish her well in growing her business and highly recommend her services.

Peter, Folkestone

Louise has honestly been excellent as our Financial adviser. From the very first meeting Louise was engaged with us and listened carefully and understood our goals very quickly. Louise produced a very clear and detailed analysis of our situation and presented us with professional yet understandable recommendations to move forward. Louise keeps contact efficiently and keeps us updated and informed regularly on our investment and savings portfolio in a clear and concise manner. It's been a pleasure dealing with Louise. We have complete trust in her advice and importantly our meetings are informative but fun and personable. Thanks Louise!!!

Chris, Ashford

I needed advice on a Pension and having crossed off many Financial Advisors from my list, found Louise!
She was a breath of fresh air, there was no 'jargon' and everything was explained fully and clearly. I would not hesitate to recommend Louise to anyone as I found her to be a very warm, friendly and genuinely attentive person who showed complete interest in me and my requirements. There was never any pressure
or hard sell and she was completely natural and genuinely friendly which put me completely at ease with her from the moment I met her! First class advice and service, thank you so much Louise!

The company was born out of Louise Pepper’s frustrations with the ‘conveyor belt’ approach practised across the industry. 7 years’ experience in the corporate world convinced her the only way she would be able to deliver the levels of service she felt clients deserved was to rip up the traditional rule book and create her own model. “Bespoke Financial Planning” sums up exactly what Louise wanted to achieve for her clients: independent, individual, tailored advice. She knew she had got it right when clients from her previous employment began to track her down: her commitment to personalised financial planning struck a chord with individuals dissatisfied with the ‘one size fits all’ approach of other firms. We are proud to be Chartered Financial Planners, a qualification held by only 10% of advisers in the UK; to retain Chartered status, we must continually update our knowledge and adhere to a strict code of ethics. In addition, we hold the advanced Pension Transfer Specialist qualification (AF3), enabling us to provide advice on the suitability of all Occupational and Final Salary Pension transfers. Please visit our website for more details, videos and information about our services.

Our services

We are proud to be redefining financial planning! We believe the traditional business model for financial advisers is outdated in today’s increasingly complex financial landscape. We specialise in supporting high net worth individuals who are seeking a dedicated, bespoke, responsive planning service. Our clients’ financial affairs are typically more complicated and require extra time and due diligence. We are experienced in helping our clients navigate the complexities of their pension provision, particularly those whose pension funds are close to the Lifetime Allowance. We will take the time to understand your personal financial position carefully and talk you through your options.

Compliance

Bespoke Financial Planning Kent Ltd T/A Bespoke Financial Planning is authorised and regulated by the Financial Conduct Authority. FCA number 795258 . Some aspects of Tax Planning and National Savings are not regulated by the FCA.

Bespoke Financial Planning Kent Ltd T/A Bespoke Financial Planning is authorised and regulated by the Financial Conduct Authority. FCA number 795258 . Some aspects of Tax Planning and National Savings are not regulated by the FCA.

Legal information

While unbiased.co.uk endeavours to verify the information provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.Any decision to transact business is made by you on the basis of your own enquiries.
To check that an adviser is regulated, you can contact the relevant regulatory or professional body.

Once you’ve sent your enquiry you can expect a response within 48 hours.
If this adviser is not available we will refer you to the best matched alternative
adviser nearby, so please include as much detail as you can in your enquiry.